The top-rated 2025 Commercial Health Plan in NY, comprehensive products, hands-on support and national and local networks. Whether you’re a small group or a large group employer, we’re committed to ensuring you’re supported. A healthier business. That’s the RedShirt® Treatment.
Independent Health was rated 5 out of 5 in NCQA's Commercial Health Plan Ratings from 2023 – 2025.
The plans shown below represent our 2026 Q2 Small Group plans. Download a printable version here.
To view our 2026 Q1 plans and rates, click here.
| FlexFit Platinum |
|---|
2026 Q2 |
| Employee Rate $1,102.96 |
| Employee and Child(ren) Rate $1,875.03 |
| Employee and Spouse Rate $2,205.92 |
| Family Rate $3,143.44 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $250 |
| Pharmacy1 $5/$45/50% |
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| iDirect Platinum Coinsurance |
|---|
2026 Q2 New |
| Employee Rate $1,039.45 |
| Employee and Child(ren) Rate $1,767.07 |
| Employee and Spouse Rate $2,078.90 |
| Family Rate $2,962.43 |
| First Dollar Coverage N/A |
| In-Network Deductible $125/$250 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 $5/$50/50% |
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| Passport Plan Local Platinum3 |
|---|
2026 Q2 New |
| Employee Rate $1,133.02 |
| Employee and Child(ren) Rate $1,926.13 |
| Employee and Spouse Rate $2,266.04 |
| Family Rate $3,229.11 |
| First Dollar Coverage N/A |
| In-Network Deductible $125/$250 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 $5/$50/50% |
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| Activate Gold |
|---|
2026 Q2 |
| Employee Rate $896.86 |
| Employee and Child(ren) Rate $1,524.66 |
| Employee and Spouse Rate $1,793.72 |
| Family Rate $2,556.05 |
| First Dollar Coverage $750/$1,500 |
| In-Network Deductible $1,700/$3,400 (E) |
| In-Network Coinsurance 25% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $20 Copayment after first dollar and deductible/$50 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 25% Coinsurance after first dollar and deductible |
| Emergency Room Services 25% Coinsurance after first dollar and deductible |
| Pharmacy1 $10/25%/50% after first dollar and deductible |
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| FlexFit Gold |
|---|
2026 Q2 New |
| Employee Rate $975.13 |
| Employee and Child(ren) Rate $1,657.72 |
| Employee and Spouse Rate $1,950.26 |
| Family Rate $2,779.12 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $40/$75 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $3,000 |
| Emergency Room Services $300 |
| Pharmacy1 $10/$40/50% |
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| iDirect Gold Copay |
|---|
2026 Q2 |
| Employee Rate $964.89 |
| Employee and Child(ren) Rate $1,640.31 |
| Employee and Spouse Rate $1,929.78 |
| Family Rate $2,749.94 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,500/$3,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 $10/$40/$100 |
Show Benefits + |
| iDirect Gold Copay Option 3 |
|---|
2026 Q2 |
| Employee Rate $953.06 |
| Employee and Child(ren) Rate $1,620.20 |
| Employee and Spouse Rate $1,906.12 |
| Family Rate $2,716.22 |
| First Dollar Coverage N/A |
| In-Network Deductible $775/$1,550 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $250 |
| Pharmacy1 $10/$35/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2026 Q2 |
| Employee Rate $914.75 |
| Employee and Child(ren) Rate $1,555.08 |
| Employee and Spouse Rate $1,829.50 |
| Family Rate $2,607.04 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
iDirect Gold Copay HSAQ Option 2 |
|---|
2026 Q2 New |
| Employee Rate $896.04 |
| Employee and Child(ren) Rate $1,523.27 |
| Employee and Spouse Rate $1,792.08 |
| Family Rate $2,553.71 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,950/$3,900 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
iDirect Gold Coinsurance HSAQ |
|---|
2026 Q2 New |
| Employee Rate $874.00 |
| Employee and Child(ren) Rate $1,485.80 |
| Employee and Spouse Rate $1,748.00 |
| Family Rate $2,490.90 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan National Gold HSAQ |
|---|
2026 Q2 |
| Employee Rate $1,114.25 |
| Employee and Child(ren) Rate $1,894.23 |
| Employee and Spouse Rate $2,228.50 |
| Family Rate $3,175.61 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan Local Gold HSAQ3 |
|---|
2026 Q2 |
| Employee Rate $954.94 |
| Employee and Child(ren) Rate $1,623.40 |
| Employee and Spouse Rate $1,909.88 |
| Family Rate $2,721.58 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,700/$3,400 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
| Activate Silver |
|---|
2026 Q2 |
| Employee Rate $786.08 |
| Employee and Child(ren) Rate $1,336.34 |
| Employee and Spouse Rate $1,572.16 |
| Family Rate $2,240.33 |
| First Dollar Coverage $500/$1,000 |
| In-Network Deductible $3,500/$7,000 (E) |
| In-Network Coinsurance 40% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $35 Copayment after first dollar and deductible/$65 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 40% Coinsurance after first dollar and deductible |
| Emergency Room Services 40% Coinsurance after first dollar and deductible |
| Pharmacy1 $15/40%/50% after first dollar and deductible |
Show Benefits + |
| iDirect Silver Copay |
|---|
2026 Q2 |
| Employee Rate $835.64 |
| Employee and Child(ren) Rate $1,420.59 |
| Employee and Spouse Rate $1,671.28 |
| Family Rate $2,381.57 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,250/$4,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 $15/$50/50% |
Show Benefits + |
| iDirect Silver Copay Option 2 |
|---|
2026 Q2 |
| Employee Rate $860.48 |
| Employee and Child(ren) Rate $1,462.82 |
| Employee and Spouse Rate $1,720.96 |
| Family Rate $2,452.37 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,500/$5,000 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $30/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $500 |
| Pharmacy1 $15/$75/$125 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2026 Q2 |
| Employee Rate $833.60 |
| Employee and Child(ren) Rate $1,417.12 |
| Employee and Spouse Rate $1,667.20 |
| Family Rate $2,375.76 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,250/$4,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Copay HSAQ Option 2 |
|---|
2026 Q2 New |
| Employee Rate $760.80 |
| Employee and Child(ren) Rate $1,293.36 |
| Employee and Spouse Rate $1,521.60 |
| Family Rate $2,168.28 |
| First Dollar Coverage N/A |
| In-Network Deductible $4,000/$8,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Coinsurance HSAQ |
|---|
2026 Q2 |
| Employee Rate $779.21 |
| Employee and Child(ren) Rate $1,324.66 |
| Employee and Spouse Rate $1,558.42 |
| Family Rate $2,220.75 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan National Silver HSAQ |
|---|
2026 Q2 |
| Employee Rate $991.72 |
| Employee and Child(ren) Rate $1,685.92 |
| Employee and Spouse Rate $1,983.44 |
| Family Rate $2,826.40 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan Local Silver HSAQ3 |
|---|
2026 Q2 New |
| Employee Rate $851.53 |
| Employee and Child(ren) Rate $1,447.60 |
| Employee and Spouse Rate $1,703.06 |
| Family Rate $2,426.86 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,500/$7,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2026 Q2 |
| Employee Rate $706.69 |
| Employee and Child(ren) Rate $1,201.37 |
| Employee and Spouse Rate $1,413.38 |
| Family Rate $2,014.07 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
iDirect Bronze MV HSAQ |
|---|
2026 Q2 |
| Employee Rate $693.80 |
| Employee and Child(ren) Rate $1,179.46 |
| Employee and Spouse Rate $1,387.60 |
| Family Rate $1,977.33 |
| First Dollar Coverage N/A |
| In-Network Deductible $8,450/$16,900 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
| iDirect Bronze MV |
|---|
2026 Q2 New |
| Employee Rate $665.62 |
| Employee and Child(ren) Rate $1,131.55 |
| Employee and Spouse Rate $1,331.24 |
| Family Rate $1,897.02 |
| First Dollar Coverage N/A |
| In-Network Deductible $10,600/$21,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $30/Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
|
Passport Plan National Bronze HSAQ |
|---|
2026 Q2 |
| Employee Rate $899.94 |
| Employee and Child(ren) Rate $1,529.90 |
| Employee and Spouse Rate $1,799.88 |
| Family Rate $2,564.83 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
Passport Plan Local Bronze HSAQ3 |
|---|
2026 Q2 |
| Employee Rate $772.76 |
| Employee and Child(ren) Rate $1,313.69 |
| Employee and Spouse Rate $1,545.52 |
| Family Rate $2,202.37 |
| First Dollar Coverage N/A |
| In-Network Deductible $6,000/$12,000 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
| Standard Healthy NY Gold2 |
|---|
2026 Q2 |
| Employee Rate $814.36 |
| Employee and Child(ren) Rate $1,384.41 |
| Employee and Spouse Rate $1,628.72 |
| Family Rate $2,320.93 |
| First Dollar Coverage N/A |
| In-Network Deductible $775/$1,550 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$35/$70 |
Show Benefits + |
